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Lead Testing and Removal questions, answered by experts

No. Standard homeowners insurance does not cover any kind of lead remediation, focusing instead on sudden, unpreventable events like fires and theft. Many insurance companies will specifically exclude lead paint removal, since it tends to be an expensive and unavoidable project. The exception is if the lead surface is damaged during a covered event (like a flood) and homeowners insurance pays its replacement.

A professional indoor air quality inspection takes anywhere from one to three hours, depending on the size of your home and the number of necessary samples. After the test, the specialist will discuss the findings, but you won’t get a full written report for 2 to 10 days, though you can ask your pro to expedite the process, if needed. 

DIY lead testing kits are available, but they often lack the accuracy and reliability of professional services. Professional testing is recommended for more accurate results, as properly certified testers can provide a thorough analysis, clear recommendations, and the necessary legal documentation if remediation is required.

You can paint over lead paint, or “encapsulate” it with a special paint that includes an ingredient called an encapsulant. The EPA approves encapsulation as a lead paint removal method as long as the paint remains undisturbed. Standard types of paint without an “encapsulant” from the big box stores or hardware stores do not meet EPA standards for remediation of lead-based paint.

While not all homes built before 1978 contain lead paint, enough do, so you’ll still want to test to be on the safe side. The federal government banned lead-based paint for homes in 1978, but your state may have banned lead before that time. Around 24% of homes built between 1960 and 1977 contained lead-based paint, while 87% of homes built before 1940 contained lead-based paint.

The Howland, ME homeowners’ guide to lead testing and removal services

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